CSMD vs VTI
Congress SMid Growth ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, CSMD or VTI?
Mid Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. CSMD is less concentrated, with 32.1% of the fund in its ten largest positions against 33.3%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | CSMD | VTI |
|---|---|---|
| Expense Ratio | 0.68% | 0.03%Best |
| AUM | $466M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 48 | 3,543 |
| YTD Return | +4.08% | +12.30%Best |
| 1Y Return | -1.41% | +16.08%Best |
| 3Y Return (annualized) | +10.52% | +21.01%Best |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 18.5% | 13.2%Best |
| Max Drawdown | -22.5% | -19.3%Best |
| $10,000 over 3.1 years | $13,400 | $18,029Best |
| Top 10 Weight | 32.1%Best | 33.3% |
| Fund Family | Congress Asset Management Company | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Blend |
| Inception | Aug 22, 2023 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 3.1 years row, are measured over the window both funds cover: Aug 22, 2023 to Sep 18, 2026 (3.1 years).
CSMD vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3.1 years both funds cover.
CSMD vs VTI Performance
Congress SMid Growth ETF (CSMD) is an ETF from Congress Asset Management Company and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year CSMD returned -1.41% while VTI returned +16.08%. Year to date, CSMD is up 4.08% versus a gain of 12.30% for VTI.
Over three years, CSMD compounded at +10.52% per year against +21.01% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CSMD has been the more volatile fund, with annualized monthly volatility of 18.5% compared with 13.2% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -22.5% for CSMD and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CSMD charges 0.68% per year while VTI charges 0.03%. On a $10,000 position that is $68 vs $3 annually, a gap of $65 per year that compounds over a long holding period. On income, CSMD currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
99.3% of CSMD's money is in holdings VTI also owns. 0.7% of VTI's money is in holdings CSMD also owns.
Most of CSMD is already inside VTI. Owning both mostly buys the same companies twice.
46 positions in common, counted across the 47 positions we hold weights for in CSMD and 3,463 in VTI, against full books of 48 and 3,543.
What only one of them owns
Our book lists 1,113 positions for VTI that do not appear in our book for CSMD (96.9% of the fund), and 1 for CSMD that do not appear in VTI (0.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in CSMD | Weight in VTI | Difference |
|---|---|---|---|
| NVT:IENvent Electric Plc Ordinary Shares | 3.73% | 0.03% | 3.70% |
| HALOHalozyme Therapeutics Inc | 3.74% | 0.01% | 3.73% |
| VMIValmont Industries Inc | 3.47% | 0.01% | 3.46% |
| CWCurtiss-wright Corp | 3.30% | 0.04% | 3.26% |
| RGENRepligen Corp | 3.26% | 0.01% | 3.25% |
| RBRKRubrik Inc-A | 3.19% | 0.02% | 3.17% |
| CRSCarpenter Technology Corpcommon Stock | 3.09% | 0.03% | 3.06% |
| UFPTUfp Technologies Inc | 2.88% | 0.00% | 2.88% |
| MEDPMedpace Holdings Inc | 2.83% | 0.02% | 2.81% |
| IOTSamsara Inc | 2.66% | 0.02% | 2.64% |
99.3% of CSMD is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CSMD or VTI?
CSMD has an expense ratio of 0.68% while VTI charges 0.03%. VTI is the cheaper option, by $65 a year on a $10,000 investment.
Which performed better, CSMD or VTI?
Over the past year CSMD returned -1.41% vs +16.08% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CSMD or VTI?
CSMD has been the more volatile fund at 18.5% annualized versus 13.2% for VTI. Worst drawdown: CSMD -22.5% vs VTI -19.3%.
Should I hold both CSMD and VTI?
CSMD and VTI have a monthly-return correlation of 0.85, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between CSMD and VTI?
99.3% of CSMD's money is in holdings VTI also owns. 0.7% of VTI's is in holdings CSMD also owns. They hold 46 positions in common, counted across the 47 positions we hold weights for in CSMD and 3,463 in VTI.
Which pays a higher dividend, CSMD or VTI?
CSMD yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than CSMD?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. CSMD is less concentrated, with 32.1% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.